“They say the hardest part isn’t when you are lost. It’s when you’re alone. But when someone loves you, magical things can happen. There’s always a chance that things will get better; always better for the hope of a brighter day.”

This is a dialogue from “The Rift,” a short metaphorical film “about the harsh realities that countless children in our world face each day.” This is most seen at the time of year where everything is pink, red or heart-shaped. From shiny balloons to pop-up cards and the baskets of candy filled with this gigantic teddy bear that says “I Love You.”

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I sometimes wonder what happened to television shows like “Little House on the Prairie,” and “The Waltons” — the good wholesome family shows that used to come on when we were growing up. Now it is “The Secret Life of the American Teenager” and “Degrassi.” What has happened to television? Is this really expressing something about someone? What does this say about your life?

Question: I have done very well in my 401K this year. But I also have a lot of money in a savings account just sitting there. My plan was to have it as an emergency fund, but it’s earning next to nothing. Shouldn’t I find something more productive to do with that money? Perhaps a growth and income fund?